Critical Illness Cover

The monthly premiums are:

Non-smoker – £6.95

Smoker – £8.60

You must tell us of any change in your smoking status. Failure to do so will adversely affect any claim.

Cover under the plan will continue until age 40, if you leave the UK Police Service for any reason (including a career break), on death or following a successful claim.

The premium includes all costs for administration, claims and the fees payable for any medical examinations which we may ask you to attend.

Critical Illness Cover

The complete list of conditions we cover is set out below.

These headings are only a guide to what is covered. The full definitions of the illnesses covered and the circumstances in which you can claim are given in the policy document. Please see section 7.14 pre-existing exclusions section of the Critical Illness Cover policy document. 

The policy definitions typically use medical terms to describe the illnesses and in some cases the cover may be limited. For example, some types of cancer are not covered; and, to make a claim for some illnesses, you need to have permanent symptoms.

Medical Retirement Cover

If you are medically retired for any reason other than a mental or nervous condition, and you are in paid employment with a UK police service, then you are entitled to make a claim.

We will pay you the fixed lump sum if your premiums are up to date, you meet the qualifying conditions, and either of the following events occur:

• You are diagnosed with any of the critical illnesses listed in ‘What does the Critical Illness Plan cover?’, you survive the initial diagnosis by 28 days and you meet the other policy conditions for that illness.

• The lump sum benefit of £25,000 rises to £50,000 for some of the medical conditions, if the event is triggered in the execution of Police duties. Claims for the enhanced benefit will need to be supported with an e-safety form (or equivalent).

• You are in paid employment with a UK police service and are medically retired, except where due to a mental or nervous condition.

We will not pay you the fixed lump sum if your incapacity, critical illness or medical retirement is caused by any of the following:

• Exclusions defined in the policy document covering:
  • War and civil commotion*
  • Hazardous sports and pastimes*
  • Flying, other than on commercial flights*
  • CBRN contamination*
  • Danger – deliberate exposure* (except in an attempt to save human life)
  • Alcohol or drug abuse
  • Criminal acts
  • Self-inflicted injury
  • Failure to follow medical advice
  • Military Service
  • Pregnancy
  • HIV – except where caused by blood transfusion, physical assault, or an incident occurring when performing police duties

• Any pre-existing conditions you’d had:
  • received treatment for;
  • had sought advice for;
  • had experienced symptoms of;
  • was diagnosed with;

before commencement of this policy.

• For medical retirement benefits – any mental or nervous conditions
• For critical illness benefits – if you do not survive 28 days after diagnosis

*except where part of your police duties when you WILL be covered.

The policy gives full details of the cover provided and includes all the definitions in the terms and conditions. The Critical Illness Cover policy document is available to view here should you wish to see this before making your decision. Additionally, the Money & Pensions Service provides useful financial information on its website moneyhelper.org.uk/en However, if you are still unsure as to the suitability of this plan, and wish to obtain personal advice, you should contact an independent financial adviser.

• You can cancel for a full refund within 30 days of receiving your policy documents.  Simply contact our Member Services team on 01689 891454 or email [email protected] 
• If you wish to stop or cancel your plan after this, our friendly Member Services team will be able to help.

Metfriendly, Central Court, Knoll Rise, Orpington, BR6 0JA

Phone: 01689 891454 

Email: [email protected]